Account Fees

Charging a fee is our least favorite part of serving you.

These fees apply to accounts and services.

Because we're a credit union and a not-for-profit, we keep fees as low as possible and often eliminate them. But there are certain fees we need to charge to cover our expenses.

Member Account Fees

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FEES FOR ALL ACCOUNTS   Current Fees
Abandoned Accounts   $50.00
Bad Address Fee   $5.00
Checking Account - Advantage Balance below $1,500 $10.00
Check Clearing History1 Last 10 checks $5.00
Direct Deposit Correction After 3rd occurrence $25.00
Early Account Closing Closing within 60 days of opening $25.00
Early Withdrawal - Club Account & Generator Share Certificate   $25.00
European Bill Pay   $2.00 in branch or $1.00 online
Inactive Account Fee No account activity for 12 months or more $5.00
Money Market Excess Transaction2   $10.00
Money Market Low Balance  Applies to balances less than $1,000 (Legacy Money Markets only). $10.00
Non Sufficient Funds (NSF) Return Charge3   $32.00
Paper Statements4   $5.00
Privilege Pay Fee5 Overdraft Protection for Checks & ACH $32.00
Returned Deposit Item   $25.00
Stop Payment6   $25.00
Tax Levy/Garnishment Administrative Fee   $75.00
DEBIT CARD USAGE    
Andrews Federal & CO-OP ATMs ATM/POS (point of sale) Transactions Free of Charge
Non-Andrews Federal and/or Non-CO-OP ATMs7   $1.00
Foreign Transaction Fee8   1% of the transaction amount
Replacement Card   $10.00
Privilege Pay Visa® Debit Card Overdrafts9 Debit card purchases overdraft protection $32.00
SAFETY DEPOSIT BOX ANNUAL RENTAL    
3 x 5   $35.00
3 x 10   $55.00
5 x 10   $85.00
10 x 10   $150.00
Drilling   $150.00
Key Replacement   $30.00
OTHER SERVICES AVAILABLE    
Account Research / Reconciliation $25/minimum; fees waived if Andrews Federal error $25.00/hr
Copy of Paid Item / Statement   $5.00
Custodian IRA Transfers   $10.00
Express Mail Subject to weight and delivery location limits Costs vary
External Loan Payment by Phone10   $14.95
Interim Statement   $5.00
Notary   $2.00
Money Order   $2.00
Official Check One per day with no fee $5.00
Phone Requests1 Balance Request by Phone1 $2.00 (1 free per month)
  Loan Payment Transfer by Phone1
  Share Transfer by Phone1
Signature Guarantee   $25.00
Special Collection Item Domestic $10.00
  Foreign Costs vary
Temporary Checks Per sheet (4 checks) $4.00
Verification of Deposit   $25.00
Wire Transfers11 Bank-to-Bank Outgoing Wires (Domestic) $25.00
  Bank-to-Bank Outgoing Wires (International) $50.00
  Bank-to-Bank Incoming Wires $15.00

Business Account Fees

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FEES FOR ALL ACCOUNTS   Current Fees
Abandoned Accounts   $50.00
Bad Address Fee   $5.00
Check Clearing History Last 10 checks $5.00
Check Printing Charges   set by printer (see upon request)
Checking Account Monthly Maintenance1   $25.00
Direct Deposit Correction After 3rd occurrence $25.00
Early Account Closing Closing within 60 days of opening $50.00
Excess Transaction Fee2   $0.25
Inactive Account Fee No account activity for 12 months or more $5.00
Non Sufficient Funds (NSF) / Uncollected Item Return Charge   $32.00
Official Checks   $5.00
Overdrawn Account (item paid on uncollected or insufficient funds) $32.00 per item
Paper Statements   $5.00
Returned Deposit Item   $25.00
Stop Payment   $25.00
Tax Levy/Garnishment Administrative Fee   $75.00
DEBIT CARD USAGE    
Andrews Federal & CO-OP ATMs ATM/POS (Point of Sale) transactions Free of Charge
Replacement Card   $10.00
Visa® Debit Card Overdrafts3 Debit card purchases overdraft protection $32.00
OTHER SERVICES AVAILABLE    
Account Research / Reconciliation $25/minimum; fees waived if Andrews Federal error $25.00/hr
Balance Request by Phone‡ 3 free per month $2.00
Coin Service   varies upon request
Currency Service   varies upon request
Copy of Paid Item / Statement   $5.00
Express Mail Subject to weight and delivery location limits Costs vary
Interim Statement   $5.00
Loan Late Payment 10 days after due date 5% of payment or $10.00, whichever is greater
Loan Payment by Phone4   $14.95
Loan Payment Transfer by Phone4   $2.00
Notary   $2.00
Money Order (per item) $2.00
Remote Check Deposit5   $25.00
Share Transfer by Phone‡   $2.00
Signature Guarantee   $25.00
Special Collection Item Domestic $10.00
  Foreign Costs vary
Temporary Checks Per sheet (4 checks) $5.00 per sheet
Verification of Deposit   $25.00
Wire Transfers Bank-to-Bank Outgoing Wires (Domestic) $25.00
  Bank-to-Bank Outgoing Wires (International) $35.00
  Bank-to-Bank Incoming Wires6 $15.00

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Andrews Federal members received over $12 Million in direct member benefits through lower fees, lower loan rates and higher deposit yields.